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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Aug 25, 2026·49 days on market

1894 Osprey Bluff Boulevard

Fleming Island, FL 32003

$879,900sold priceListed at $879,900 · 100% of asking$246/sqftMLS# 2150452
5
Beds
4.5
Baths
3,574
Sq Ft
1990
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $33/mo0.50 acresSingle Family Residence2 stories

About this home

Fleming Island

HEATED POOL - PRIVATE BOAT SLIP - GUEST APARTMENT. Welcome to the ultimate Florida lifestyle package!! Rarely does a property offer this level of luxury, flexibility, and waterfront lifestyle in one complete package. Enjoy a heated pool, oversized hot tub, screened lanai, and spectacular outdoor kitchen designed for entertaining. Boaters will love the assigned slip with 10,000 lb lift on Swimming Pen Creek and direct access to the St. Johns River. Offering 3,574 heated & cooled sqft. (includes a 600 sqft apartment above the detached garage), this beautifully remodeled home features an incredible chef's kitchen, stunning primary suite, updated baths, new flooring, formal living & dining rooms, a large game room, and abundant storage. The detached garage includes a pool bath, outdoor shower, premium storage system, and private guest quarters--ideal for visitors, extended family, or a home office. Situated on a fully fenced ½-acre lot with dedicated space for a boat, RV, trailer, & more!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,874
Property taxesest. at asking price, Clay County$1,348
HOAbilled annually$33
Estimated total, before insurance$6,256/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$879,900
$175,980
Loan Term
Monthly Payment
$4,874
Principal & Interest: $4,874
Property taxes (est.): $1,348
Insurance (est.): $587
Estimated Total Monthly
$6,809
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1990)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,662 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Aug 25, 2026Closed$879,900
  • Jul 31, 2026Pending$879,900
  • Jun 12, 2026Listed$879,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $225/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1846 Waterbury Lane, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCOct 2026$1,360,000$3795/4.53,59270.3
2125 Blue Heron Cove, Fleming Island, FL 32003Listed by BEYCOME OF FLORIDA LLCSep 2026$890,000$3464/32,57440.4
2468 Stoney Glen Drive, Fleming Island, FL 32003Listed by HARRIS REALTY PARTNERS LLCJul 2026$775,000$2245/43,457230.8
2388 Country Side Drive, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$560,000$1933/2.52,89950.9
2283 South Brook Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$695,000$2255/43,093110.9
1885 Silo Oaks Place, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSSep 2026$575,000$1635/43,524810.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$879,900
Price / Sq Ft$246
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,574
Acres0.50 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address1894 Osprey Bluff Boulevard, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionOsprey Bluff
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size21,780 sq ft
Lot Dimensions100 x 220
Parcel Number01521400139

Amenities

AmenitiesBoat Dock, Boat Slip
UtilitiesCable Connected, Electricity Available, Sewer Connected, Water Connected, Propane
SewerSeptic Tank
Water SourceWell
ParkingCovered, Detached, Garage, RV Access/Parking
ViewPool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned
Spa FeaturesAbove Ground, Private

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Outdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingWood
RoofShingle
ConstructionBrick, Fiber Cement, Frame
Other StructuresShed(s), Workshop
Road SurfaceAsphalt

Additional Information

Date ListedJune 13, 2026
Days on Market49
HOA Fees$400 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INI REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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